AIA 485签证健康保险
AIA 485 Visa Health Insurance
AIA Health 提供适用于包括485 Temporary Graduate 在内多种工作签证的 Overseas Visitors Health Cover（OVHC）。AIA 说明，如签证需要 adequate health insurance，可为签证申请提供所需保险证明。
AIA Health offers Overseas Visitors Health Cover (OVHC) for a range of working visas including the 485 Temporary Graduate visa and can provide evidence of cover for visa applications where adequate health insurance is required.
为什么比较 AIA Health 485保险？
Why compare AIA Health 485 cover?
AIA 当前 OVHC 页面明确列出485在可能需要提供 adequate health insurance 证明的签证类别中，并说明如果人在澳大利亚从其他签证转到新签证，可以 review and update cover 以适应新的签证条件。AIA 还提供 Health app 理赔及 provider network。
AIA currently lists visa 485 among visa types that may require evidence of adequate health insurance and explains that people transitioning visas in Australia can review and update cover for their new visa conditions. AIA also provides app-based claims and a provider network.
485签证适用
485 visa suitability
AIA OVHC 页面明确列出485 Temporary Graduate visa。
AIA’s OVHC information explicitly lists the 485 Temporary Graduate visa.
保险证明
Evidence of cover
AIA 可按要求向会员或其 nominated migration agent/lawyer 提供签证申请所需保险证明。
AIA can provide required evidence of cover to the member or nominated migration agent/lawyer on request.
签证转换
Visa transition
已在澳大利亚从其他签证转新签证时，可 review/update cover 以符合新条件。
People transitioning visas in Australia can review/update cover to suit new visa conditions.
AIA Health app
AIA Health app
会员可通过 AIA Health app 提交理赔和管理相关事项。
Members can submit claims and manage relevant matters through the AIA Health app.
医疗网络
Provider network
AIA 鼓励会员使用其 health network，以帮助减少可能的 gap payments。
AIA encourages members to use its health network to help limit possible gap payments.
理赔到澳洲账户
Australian bank claims
AIA 说明理赔款支付至会员提供的澳大利亚银行账户。
AIA states that claim payments are made to the member’s nominated Australian bank account.
485申请时的保险证明
Evidence for a 485 application
AIA 说明，申请包括485在内的相关签证时，可能需要证明在澳大利亚期间持有 adequate health insurance。AIA 可将所需 evidence 提供给会员，或按要求提供给 nominated migration agent/lawyer。
AIA explains that applicants for relevant visas including 485 may need to show evidence of adequate health insurance for their Australian stay. AIA can provide the evidence to the member or, on request, to a nominated migration agent/lawyer.
从学生保险转到 AIA OVHC
Moving from student cover to AIA OVHC
如果您已经在澳大利亚并从学生签证转到485，AIA 说明可以 review and update cover 以适应新签证条件。应在旧保险结束前安排新保险并确认 certificate。
If you are already in Australia and moving from a student visa to 485, AIA explains that cover can be reviewed and updated to suit the new visa conditions. Arrange new cover before old cover ends and confirm the certificate.
如何减少 gap payments？
Reducing gap payments
AIA 鼓励会员在可能情况下使用 AIA Health network 的医疗服务商，以帮助减少 gap payments。无论是否使用 network provider，都应在治疗前确认 provider fee、policy benefit 和可能的自付金额。
AIA encourages members to use providers in the AIA Health network where possible to help limit gap payments. Regardless of provider, check fees, policy benefits and likely out-of-pocket amounts before treatment.
AIA 理赔流程
AIA claims process
AIA 当前说明可通过 AIA Health app 提交理赔。会员需要提供澳大利亚银行账户，理赔可能需要 invoice/receipt、claim form 或 medical certificate 等 supporting documents。
AIA currently allows claims through the AIA Health app. Members need Australian bank details, and supporting documents may include invoices/receipts, a claim form or medical certificate.
购买前需要确认的内容
What to confirm before buying
AIA 不同 OVHC option 的 hospital、medical、waiting periods、excess、limits 和 exclusions 可能不同。应以您实际选择产品的最新 cover information 为准，并确认它适合您的485签证情况。
Hospital, medical, waiting-period, excess, limit and exclusion rules can vary between AIA OVHC options. Use current information for the product selected and confirm suitability for your 485 circumstances.
购买485签证健康保险前
Before buying 485 visa health insurance
请确认具体产品适合您的485签证情况，并比较 condition 8501、hospital excess、院外 GP/专科医生、检查、药品、waiting periods、家庭保险类型及 exclusions。最终保障以保险公司最新正式产品文件为准。
Confirm the specific product suits your 485 visa circumstances and compare condition 8501 compliance, hospital excess, outpatient GP/specialists, diagnostics, medicines, waiting periods, family structure and exclusions. Final benefits are subject to current insurer documents.
查看您的实际485保险价格
Check your actual 485 insurance price
最终保费取决于保险日期、家庭情况和所选保障。点击 Get Quote 查看保险公司的正式报价。
Your final premium depends on policy dates, family circumstances and cover selected. Use Get Quote to obtain the insurer's formal quote.
AIA Health 485签证健康保险常见问题
AIA Health 485 Visa Health Insurance FAQs
AIA 提供485签证健康保险吗？Does AIA offer health cover for visa 485?
AIA 当前 OVHC 页面明确把485列入其相关工作签证类别。
AIA currently explicitly lists visa 485 among the relevant working visa types on its OVHC page.
AIA 可以提供485保险证明吗？Can AIA provide evidence of cover for a 485 application?
AIA 说明可向会员或按要求向 nominated migration agent/lawyer 提供签证申请所需 evidence。
AIA says it can provide required visa evidence to the member or, on request, to a nominated migration agent/lawyer.
从学生签证转485可以改 AIA cover 吗？Can I update AIA cover when moving from a student visa to 485?
AIA 说明已在澳大利亚转换签证的人可以 review/update cover 以适应新签证条件。
AIA says people transitioning visas in Australia can review/update cover to suit the conditions of the new visa.
AIA 485保险如何理赔？How do I claim on AIA 485 cover?
可通过 AIA Health app 提交理赔，并按要求提供 invoice、receipt 或其他 supporting documents。
Claims can be submitted through the AIA Health app with invoices, receipts or other supporting documents as required.
AIA 理赔可以付到海外账户吗？Can AIA claims be paid to an overseas account?
AIA 当前理赔说明要求提供澳大利亚银行账户，并说明不能向 offshore account 支付。
AIA’s current claims information requires Australian bank details and says payments cannot be made to offshore accounts.
使用 AIA network 有什么好处？Why use the AIA Health network?
AIA 鼓励使用其 health network，以帮助限制可能的 gap payments。
AIA encourages use of its health network to help limit possible gap payments.
如何获得 AIA 485报价？How do I get an AIA 485 quote?
点击本页 Get Quote 按钮进入配置的 AIA 合作报价链接并查看实际价格。
Use the Get Quote button on this page to open the configured AIA partner quote link and obtain actual pricing.
购买 AIA 前应该确认什么？What should I confirm before buying AIA?
确认具体产品适合485签证，并比较 hospital、medical、waiting periods、excess、limits、exclusions 和最终价格。
Confirm the specific product suits visa 485 and compare hospital, medical, waiting periods, excess, limits, exclusions and final price.